No matter your financial journey, everyone needs a little help along the way. iQ can help, whether you want to finance a new car or a new home. We offer competitive loans to meet all your needs. Qualifying for a loan is simple. Start by estimating the amount you need to borrow and the money payments, then apply online or by telephone. We’ll let you know if you qualify superfast so you can get on with more important things.
*APY = annual percentage yield
All Certificates: *Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures.
** Business CDs do not qualify for the Member Perks .25% bump.
*APY = annual percentage yield
All Certificates: *Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures.
** Business CDs do not qualify for the Member Perks .25% bump.
*APY= Annual Percentage Yield. Intelligent Savings: Qualifying 3.50% APY accurate as of 02/01/2024. To earn the qualified Intelligent Savings Rate, you must have an Intelligent Checking Account and meet all monthly qualifiers. If account requirements are not met, the non-qualifying rate will be 0.05% APY. Existing savings accounts cannot be converted to an Intelligent Savings—a new account must be opened. Intelligent Checking: Qualifying 5.50% APY is accurate as of 01/09/2024 (up to $25,000; amounts over $25,000 earn 0.25% APY). To earn the qualifying rate, your Intelligent Checking must meet the following monthly requirements: twelve (12) debit or credit card transactions, direct deposit of at least $100 per month, log into online banking at least once per month, and receive e-statements. If account requirements are not met, the non-qualifying rate will be 0.05% APY. New accounts will receive the qualifying dividend rate for the first statement cycle. All requirements must be met with transactions posted and cleared by the close of the business day before the last day of the month. ATM transactions do not count toward the 12 debit card transactions. Bundle: Dividend paid on the last day of the month in which it is earned. Qualifiers must be on the Intelligent Checking account that is within the same membership as the Intelligent Savings account. There is no monthly fee for these accounts. Only one Intelligent Bundle per membership. All rates are subject to change.
All Checking Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.
Truth-in-Savings Disclosure: Except as specifically described, the following disclosures apply to all accounts.
*APR= Annual Percentage Rate.
All Credit Cards: The current Wall Street Journal prime index rate is 7.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Balance Transfers: Qualification is based on an assessment of individual creditworthiness, our underwriting standards, and membership qualification. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Promotional APRs are between 1.99% to 16.99% based on creditworthiness. After 12-month promotional period ends, rates will revert to the then-current APR (currently 13.74-22.74% as of 11/25/2024, based on credit worthiness). APRs vary with the market based on the WSJ Prime Rate. Limited time promotional rate available for new balance transfers only, non-iQ loans only, and may be discontinued at any time, but no earlier than February 24, 2025. Terms subject to change without notice.
Disclosure for Visa Signature Rewards | Disclosure for Visa Platinum rewards available here. | Disclosure for Visa Platinum available here. | Disclosure for Shared Secured Visa Platinum available here.
Share Secured Visa Platinum®1: After promotional period expires, Variable Annual Percentage Rate (APR) will be 11.74% for consumers. Rates Effective as of November 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.
Visa Platinum®2: After promotional period expires, Variable Annual Percentage Rate (APR) will be 11.74% - 21.74%. Rates Effective as of November 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.
Visa Platinum® Cash Back3 : After promotional period expires, Variable Annual Percentage Rate (APR) will be 13.74% - 22.74%. Rates Effective as of November 25, 2024. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. Visa Platinum Cash Back Card Agreement
Visa Signature® Travel 4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 14.74% - 18.74% for business card holders. Variable Annual Percentage Rate (APR) will be 14.74% - 20.74% for consumers. Rates Effective as of November 25, 2024. There is no annual fee for this credit card. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.
*APR= Annual Percentage Rate.
HELOC - Variable Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 8.00%. The variable Rates Effective as of October 1, 2024 are 7.75% - 10.50%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%.
HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.
Promotional waiver of closing costs pertains to all costs required to open the line of credit except for any required appraisal. If an appraisal is required, borrower will be required to pay for such appraisal, normally $775 or more. If the Home Equity Line of Credit is paid off and closed within the first 36 months, waived closing costs must be repaid to the credit union (up to $300) as fee reimbursement. Minimum loan amount is $10,000, and minimum fixed-rate conversion amount is $5,000, but there is no minimum advance requirement. Credit is subject to approval, not all applicants will qualify. Fees that occur after the line is opened, such as annual fee ($35) and reconveyance fee are not considered closing costs. Flood and /or property hazard insurance may be required and are also not considered closing costs. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. All loans subject to approval of property. Promotion is valid for applications taken between May 1, 2024 and November 30, 2024 (and the loan must be funded no later than December 26, 2024). Promotional period subject to extension at Credit Union’s discretion.
*APR= Annual Percentage Rate.
HELOC - Variable Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 8.00%. The variable Rates Effective as of October 1, 2024 are 7.75% - 10.50%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%.
HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.
Promotional waiver of closing costs pertains to all costs required to open the line of credit except for any required appraisal. If an appraisal is required, borrower will be required to pay for such appraisal, normally $775 or more. If the Home Equity Line of Credit is paid off and closed within the first 36 months, waived closing costs must be repaid to the credit union (up to $300) as fee reimbursement. Minimum loan amount is $10,000, and minimum fixed-rate conversion amount is $5,000, but there is no minimum advance requirement. Credit is subject to approval, not all applicants will qualify. Fees that occur after the line is opened, such as annual fee ($35) and reconveyance fee are not considered closing costs. Flood and /or property hazard insurance may be required and are also not considered closing costs. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. All loans subject to approval of property. Promotion is valid for applications taken between May 1, 2024 and November 30, 2024 (and the loan must be funded no later than December 26, 2024). Promotional period subject to extension at Credit Union’s discretion.
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